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Palmetto Health Open Enrollment is October 20-November 9
Welcome to Your 2017 Benefits At-A-GlanceAt Palmetto Health, we
recognize that our ability to live our vision depends on the
talent, skills and commitment of each of you. We work hard to
provide you with a comprehensive and flexible Total Rewards that
recognize your contributions.
During Open Enrollment, you have the opportunity to review and
change your benefits. You also will get a look at some of the new
benefits for 2017, which have been designed specifically to meet
the needs of Palmetto Health team members.
Carefully examine your benefits options, which are summarized in
this guide. Review all other information available to you and ask
questions.
Your CareYour Health, Your Well-being, Your Family
Quick Reference
How to Enroll?
Go to TotalRewardsBenefits.com to select your benefits. Its
available from work or home.
Login with your Employee ID number. Your password is the last
four digits of your social security number. For the 2017 Open
Enrollment period, complete your enrollment before Wednesday, Nov.
9.
Find more benefits information here:
Attend a Benefit Education Session and Benefit Fair.
Call the Total Rewards Benefits Hotline at 800-963-3456 or
803-296-8893.
Ask your leader if you have questions.
Key Dates
Whats New for 2017?
Your Benefits Summary
Your Medical Plan Options
2017 Rates
Saving Money with a HSA
Open Enrollment Options for You and Your Family
Important Contact Information
Palmetto Health-USC Medical Group team members will select 2017
benefits during this Open Enrollment period.
http://TotalRewardsBenefits.com
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The best news is no news for medical plan premiums.Medical plan
premiums for full-time team members will be unchanged for 2017.
Premiums for part-time team members will increase slightly.
Pay less for qualified medical expenses.Palmetto Health is
increasing its contributions into the Health Reimbursement Accounts
(HRA) and Health Savings Accounts (HSA) for benefits-eligible,
full-time team members by 50 percent. That means you will spend
less for your qualified medical expenses.
Easily find more information about the benefits you need.We have
launched a new Total Rewards Benefits site that is customized to
the needs of our team members. Visit
www.TotalRewardsBenefits.com.
October
20November
9January
2017January
62017
Open Enrollment begins.
Open Enrollment ends.
Your benefit selections are
effective.
Your paycheck reflects your 2017 benefits decisions.
Important Dates
Whats New for 2017?
Important: If you do not enroll by Wednesday, Nov. 9, you will
not have benefits in 2017 unless you experience a qualifying
event.
http://www.TotalRewardsBenefits.com
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Your Benefits Summary
Your Health You have multiple options that leverage the
Palmetto
Health Quality Collaborative (PHQC).
You also can save pre-tax for your medical, dental and vision
expenses with a Health Savings Account or a Flexible Spending
Account.
Palmetto Health offers High and Low dental insurance. You can
maximize your benefits using the Palmetto Health Dental Center.
Palmetto Healths vision plan provides reimbursement for a vision
exam, lenses for frames, frames and contact lenses purchased by a
licensed provider of your choice.
Your Well-beingTime Away from Work - Palmetto Health provides
PTO, which includes vacation, holidays, sick time and unexpected
absences.
E-CARE - Palmetto Health provides help and counseling for issues
ranging from job stress to life transitions
Your FamilyIn addition to providing dependent access to health
care, Palmetto Health offers several family-friendly benefits.
Dependent Care Flexible Spending Account (FSA) - You can save
tax-free for day care, after school care or summer day camps.
Adoption Assistance - Palmetto Health provides monetary
assistance and Paid Time Off (PTO) benefits for qualifying team
members.
Your RetirementTSA Savings Plan - You can contribute pre-tax or
post-tax (Roth plan) to save for retirement
Matching Savings and 401(k) Plan - If eligible, your TSA
contributions are matched by Palmetto Health and placed in a
tax-advantaged 401(k) plan.
Life Insurance You receive one times your annual salary at no
cost and can purchase
additional coverage for you and your dependents.
Income ProtectionShort-Term Disability - Palmetto Health
provides you with coverage, up to 50 percent of of your base
salary
Long-Term Disability - Palmetto Health provides you with
coverage, up to 60 percent of your base salary.
You also can purchase Critical Care, Hospital and Accident
insurance.
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HRA Plan HSA Plan
Primary (Palmetto
Health/PHQC) Tier
Secondary (BCBS) Tier
Out-of-Network
Primary (Palmetto
Health/PHQC) Tier
Secondary (BCBS) Tier
Out-of-Network
Deductible (Individual/Family)
$1,250/$2,500 $3,125/$6,250 $4,000/$8,000 $2,000/$4,000
$3,125/$6,250 $4,000/$8,000
Out-of-Pocket Maximum (Individual/Family)
$2,500/$5,000 $6,250/$6,250 None $4,000/$8,000 $6,250/$12,500
None
Office Visit100%, no
deductible70%, after deductible
50%, after deductible
100%, after deductible
70%, after deductible
50%, after deductible
Coinsurance (the percentage you pay after your deductible)
10% 30% 50% 10% 30% 50%
Palmetto Health HRA Contribution
$450/$900* ($300/$600 part-time)
$0
Palmetto Health HSA Contribution $0
$1,128/$2,250* ($640/$1,280 part-time)
Preventive Services 100%, no deductible 50%, after
deductible
100%, no deductible50%, after deductible
Your Medical Plan Options
* Reflects increase for 2017.
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Health Reimbursement AccountClass Active, Full-Time Active,
Part-Time
TierUnder $15.23
$15.23 - $30.45
$30.46 - $50.55
Over $50.55
Under $15.23
$15.23 - $30.45
$30.46 - $50.55
Over $50.55
With Discount
TM* Only $57.00 $63.00 $69.00 $91.00 $108.00 $116.00 $126.00
$144.00
TM + Spouse $126.00 $137.00 $151.00 $191.00 $207.00 $218.00
$237.00 $264.00
TM + Child(ren) $116.00 $129.00 $141.00 $176.00 $195.00 $209.00
$222.00 $248.00
TM + Family $192.00 $208.00 $231.00 $283.00 $282.00 $301.00
$325.00 $396.00
Without Discount
TM Only $124.00 $131.00 $143.00 $167.00 $195.00 $205.00 $213.00
$238.00
TM + Spouse $208.00 $219.00 $234.00 $283.00 $309.00 $323.00
$343.00 $375.00
TM + Child(ren) $196.00 $210.00 $223.00 $268.00 $296.00 $312.00
$327.00 $357.00
TM + Family $284.00 $303.00 $326.00 $389.00 $392.00 $416.00
$445.00 $525.00
Partial Discount
TM Only $108.00 $114.00 $124.00 $148.00 $172.00 $184.00 $192.00
$214.00
TM + Spouse $188.00 $199.00 $213.00 $260.00 $284.00 $298.00
$316.00 $348.00
TM + Child(ren) $176.00 $190.00 $203.00 $246.00 $270.00 $287.00
$302.00 $329.00
TM + Family $261.00 $279.00 $303.00 $362.00 $364.00 $387.00
$415.00 $493.00
Health Savings AccountClass Active, Full-Time Active,
Part-Time
Tier Under $15.23$15.23 - $30.45
$30.46 - $50.55
Over $50.55
Under $15.23
$15.23 - $30.45
$30.46 - $50.55
Over $50.55
With Discount
TM Only $30.00 $31.00 $32.00 $33.00 $43.00 $46.00 $47.00
$47.00
TM + Spouse $69.00 $72.00 $74.00 $75.00 $106.00 $111.00 $113.00
$117.00
TM + Child(ren) $69.00 $72.00 $74.00 $75.00 $106.00 $111.00
$113.00 $117.00
TM + Family $69.00 $72.00 $74.00 $75.00 $106.00 $111.00 $113.00
$117.00
Without Discount
TM Only $59.00 $62.00 $63.00 $64.00 $80.00 $82.00 $85.00
$86.00
TM + Spouse $104.00 $110.00 $112.00 $114.00 $150.00 $158.00
$162.00 $165.00
TM + Child(ren) $104.00 $110.00 $112.00 $114.00 $150.00 $158.00
$162.00 $165.00
TM + Family $104.00 $110.00 $112.00 $114.00 $150.00 $158.00
$162.00 $165.00
Partial Discount
TM Only $52.00 $54.00 $55.00 $56.00 $69.00 $72.00 $74.00
$75.00
TM + Spouse $96.00 $101.00 $103.00 $105.00 $140.00 $147.00
$150.00 $154.00
TM + Child(ren) $96.00 $101.00 $103.00 $105.00 $140.00 $147.00
$150.00 $154.00
TM + Family $96.00 $101.00 $103.00 $105.00 $140.00 $147.00
$150.00 $154.00
2017 Medical Plan Bi-weekly Premiums
*TM = team member
* TM = team member
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2017 Prescription Drug CostsIf you enroll in a Palmetto Health
medical plan, you receive prescription drug coverage. You will pay
a copay based on where you have your prescription drug filled and
whether it is Generic, Preferred or Non-Preferred. There are no
deductibles for preventive drugs. You must first satisfy your plan
deductible for non-preventive drugs before you pay a copay. See
TotalRewardsBenefits.com for a list of preventive drugs.
2017 Bi-weekly Dental Premiums 2017 Bi-weekly Vision
Premiums
PharmacyPreventive Non-Preventive
30-Day 90-Day 30-Day 90-Day
Palmetto Health and CVS
Pharmacies
Caremark Network
Palmetto Health Pharmacy
Palmetto Health and CVS
Pharmacies
Caremark Network
Palmetto Health Pharmacy
Generic $10 copay $15 copay $20 copay$10 copay, after
deductible$15 copay, after
deductible$20 copay, after
deductible
Preferred $20 copay $35 copay $40 copay$20 copay, after
deductible$35 copay, after
deductible$40 copay, after
deductible
Non-preferred $40 copay $65 copay $80 copay $40 copay, after
deductible
$65 copay, after deductible
$80 copay, after deductible
Specialty n/a 80% ($100 max), after deductible Specialty Network
Only
n/a
Infertility n/a 80% ($100 max), after deductible ($5,000 life
max)
n/a
Important notes on your prescription drug coverage.1 Plan
participants are eligible for a 30-day or an extended-day (90-day)
supply.
2 All maintenance medications must be filled at the Palmetto
Health Pharmacy in order to be covered under the plan.
3 Specialty drugs are only available through the Palmetto Health
Pharmacy and require prior authorization.
4 Step Therapy is required for medications prescribed to treat
ongoing medical conditions.
5 The Palmetto Health Pharmacy doesnt compound medications or
mail controlled substances.
Caremark Pharmacy Network Directory: click here or call
800-760-9290.
Tier High DPPO (Palmetto Health)Low DPPO
(Palmetto Health)
Team member Only $12.24 $7.14
Team member + Spouse $21.42 $12.24
Team member + Child(ren) $24.48 $13.26
Team member + Family $39.78 $20.40
Tier Bi-weekly contributions
Team member $4
Team member + Spouse $7
Team member + Child(ren)
$7
Family $11
http://TotalRewardsBenefits.comhttp://www.cvs.com/store-locator/landing?&WT.srch=1
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You can save money on your health care costs with a Health
Savings Account
The IRS allows you to save in a tax-advantaged Health Savings
Account (HSA). You make pre-tax contributions into the account.
Palmetto Health even contributes into this account for you.
Heres even better news. You own the HSA account and you can roll
over any unused funds in the account year after year. There is no
use it or lose it provision like with a health care flexible
spending account.
Take a look at the chart at right for some other HSA advantages
and give the plan a thorough review during Open Enrollment to see
if it makes sense for you and your family.
Did You Know? Tax savings Reduce your taxable income by the
amount you deposit
into your HSA. You can contribute to your HSA up to the maximum
IRS contribution limits less the Palmetto Health contribution.
Interest grows tax-free! Interest on your account grows on a
tax-deferred basis and is not considered taxable income as long as
it is spent on qualified health care expenses.
Health care savings By using tax-free dollars to pay for
eligible IRS-qualified medical, dental, prescription and vision
expenses, youre actually paying less than you would pay out of
pocket.
Rollover benefits Unlike other accounts, your HSA dollars roll
over from year to year. Theres no use it or lose it policyeven if
you change jobs or health care plans.
Supplemental retirement savings You can use your HSA as
supplemental retirement income once you reach age 65.
What are the advantages of an HSA?
Save money with a Health Care Flexible Spending Account
HRA Plan Participants
HRA Plan Participants
If you enroll in the Palmetto Health HRA Medical Plan, you may
voluntarily elect to set aside from each paycheck pre-tax dollars
in a Health Care Flexible Spending Account (FSA) you can use to pay
for out-of-pocket medical, prescription, eligible over-the-counter
drug, dental, vision and hearing expenses not covered by your
insurance plan. This is separate from and in addition to the Health
Reimbursement Account, into which Palmetto Health contributes.
Keep in mind that you must plan carefully. Unlike a Health
Savings Account, you cant roll over unused balance in your FSA. You
forfeit at year end whatever you dont use.
Following are some of the rules for FSAs.
Cannot be used by HSA participants.
You will be reimbursed for claims incurred between January 1,
2017 and March 15, 2018.
Use It or Lose It Rule: Unused balances do not rollover from
year to year.
Money in the Health Care FSA cannot be transferred to the
Dependent Care FSA or vice versa.
You get reimbursed by submitting a paper claim or using your
Benny Debit Card.
Did You Know?
If you are a participant in an HSA plan, you cant save for
medical expenses in a Health Care Flexible Spending Account, but
you can save for other expenses, such as dental and vision costs,
in a Limited Purpose Flexible Spending Account. Call the Total
Rewards Benefits Hotline at 800-963-3456 or 803-296-8893 for more
information.
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Which medical plan is right for you and your family?Whats the
same?
Both plans use the same great network of experienced
providers.
Both plans provide 100 percent coverage for preventive care.
Both plans provide the same prescription drug plan.
Both encourage you to be smart health care consumers and seek
out the best care at the best price.
Both maximize your benefits when you use Palmetto Health
facilities and Palmetto Health Quality Collaborative
physicians.
How much should I contribute to my Health Saving Account (HSA)
or Health Care Flexible Spending Account (FSA)?Your maximum
contribution (including Palmetto Healths contribution) is as
follows:
HSA Palmetto Health contributes $1,128 into your HSA for an
individual and $2,250 for a family. You can add to that through
your own pre-tax contributions up to the IRS limits of $3,400 for
an individual and $6,750 for a family (plus a $1,000 catch up for
those age 55 and older). You can change the amount you contribute
at any time of the year.
Health Care FSA $2,550 (expected to increase to $2,600 when
final IRS limit is released). You must designate your contribution
amount during Open Enrollment. Keep in mind that any unused funds
are forfeited at the end of the year.
If you had lower premiums, would you save the difference
in a tax-free Health Savings Account?
Do you and your family generally visit the doctor only for
preventive care?
Would you rather pay more per pay period and less
out-of-pocket
when you need health care?
Consider the HSA Plan
Consider the HRA Plan
Consider the HSA Plan
Consider the HRA Plan
YES
YES
NO
NO
NO
YES
Should I contribute to a Dependent Care Flexible Spending
Account?You can save tax-free for eligible dependent care expenses
through a dependent care flexible spending account. Your maximum
contribution is $5,000 per calendar year. You must designate the
contribution amount during Open Enrollment. Keep in mind that any
unused funds are forfeited if not used by March 15, 2018.
Should I enroll in dental or vision coverage?Palmetto Health
shares the cost of your Dental and Vision premiums. For dental
insurance, consider your past costs and weigh them against your
annual premium. (For example, an individual will pay $318.24
annually for dental coverage.) Vision coverage makes the most sense
if you or your family members need vision exams, new glasses or
contact lenses.
Whats different? HRA Plan: Higher premium but lower deductible
than HSA
plan. No-cost Tier 1 primary care physician and specialist
office visits. Palmetto Health contributes into a Health
Reimbursement Account, which you can use for eligible health care
expenses.
HSA Plan: Lower premium but higher deductible and higher
out-of-pocket maximum than HRA plan. Pay a deductible for primary
care physician and specialist office visits. Palmetto Health
contributes into a Health Savings Account, which you can use for
eligible health care expenses. You also can make pre-tax payroll
contributions into the account. You own your HSA funds.
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Benefit Administrator Phone Email/Web Address
Eligibility/Enrollment Trion 800-963-3456
www.EnrollOnline.com/PalmettoHealth
Palmetto Health Reimbursement Account Medical Plan
BlueCross BlueShield of South Carolina
Toll Free: 866-654-5227
Local: 803-865-3140
www.SouthCarolinaBlues.com
Primary Tier Provider Network(Palmetto Health Quality
Collaborative)
Palmetto Health Quality Collaborative
803-296-CARE (2273)
www.PalmettoHealth.org/primarytier
Palmetto Health Savings Account Medical Plan
BlueCross BlueShield of South Carolina
Toll Free: 866-654-5227
Local: 803-865-3140
www.SouthCarolinaBlues.com
myHealth Rewards Wellness Program myHealth Rewards 803-296-5920
[email protected] or myPal/myHealthRewards
Dental Plan Delta Dental 800-335-8266 www.DeltaDentalSC.com
Vision Plan BlueCross BlueShield of South Carolina
Toll Free: 866-654-5227
Local: 803-865-3140
www.SouthCarolinaBlues.com
Palmetto Health Pharmacy Palmetto Health Pharmacy 803-434-6482
WebRx.PalmettoHealth.org
Flexible Spending Accounts Trion 800-580-6854
www.EnrollOnline.com/PalmettoHealth
Health Savings Account HSA Bank 800-357-6246
www.HSABank.com/HSABank/Accountholders
Life Insurance/AD&D Trion 800-963-3456
www.EnrollOnline.com/PalmettoHealth
Short-term Disability Cigna 800-362-4462
Cigna.com/customer-forms
COBRA Trion 800-580-6854 www.EnrollOnline.com/PalmettoHealth
Retirement Fidelity 800-343-0860 www.Fidelity.com/atwork
Supplemental Medical Benefits Aflac 800-433-3036
AFLACGroupInsurance.com/customer_service/default.aspx
Legal ARAG 800-247-4184 www.ARAGLegalCenter.com
Access Code: 10829ph
Pet Insurance ASPCA 877-343-5314
www.ASPCAPetInsurance.com/PalmettoHealth
Identity Theft LifeLock 800-607-9174 www.Lifelock.com
Important Benefits Contact Information
If you have questions regarding your benefits, call the Total
Rewards Resolution Center at toll-free at 800-963-3456 or
803-296-8893. You can access the Summary Plan Descriptions (SPD) of
the benefit plans at myPal/HealthBenefits/. To schedule medical
services at a Palmetto Health facility, call 803-296-CARE
(2273).
Heres what you can do: Read the material you receive in the
mail, online and through your email.
Ask questions. Contact the Total Rewards Hotline at 800-963-3456
or 803-296-8893.
Visit TotalRewardsBenefits.com (from work or home) to review
your benefits for 2017 and select the plan that is best for you and
your family before Wednesday, Nov. 9.
Your Open Enrollment Checklist
http://www.EnrollOnline.com/PalmettoHealthhttp://www.SouthCarolinaBlues.comhttp://www.PalmettoHealth.org/primarytierhttp://www.SouthCarolinaBlues.comhttp://[email protected]
http://or
myPal/myHealthRewardshttp://www.DeltaDentalSC.comhttp://www.SouthCarolinaBlues.comhttp://WebRx.PalmettoHealth.orghttp://www.EnrollOnline.com/PalmettoHealthhttp://www.HSABank.com/HSABank/Accountholdershttp://www.HSABank.com/HSABank/Accountholdershttp://www.EnrollOnline.com/PalmettoHealthhttp://Cigna.com/customer-formshttp://www.EnrollOnline.com/PalmettoHealthhttp://www.Fidelity.com/atworkhttp://AFLACGroupInsurance.com/customer_service/default.aspxhttp://AFLACGroupInsurance.com/customer_service/default.aspxhttp://www.ARAGLegalCenter.com
http://www.ASPCAPetInsurance.com/PalmettoHealthhttp://www.ASPCAPetInsurance.com/PalmettoHealthhttp://www.Lifelock.comhttp://TotalRewardsBenefits.com
Which medical plan is right
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